"Is sun damage covered by car insurance? "

I have a car with full coverage and live in a dry desert area of the western US. The paint on my car is really damaged and looks pretty bad. Can my car insurance pay for that?

Answer provided by
Shannon Martin
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Unfortunately, sun damage is not covered by car insurance. The damage that occurs from the sun is not a sudden and unexpected event, but something that occurs incrementally over time.
While you might think this would fall under comprehensive coverage, it would actually be considered normal wear, which is not something that you can claim on your insurance. “

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